The excesses of our youth are drafts upon our old age, payable with interest, about thirty years after date.

What is spent freely in the early years is often quietly borrowed from the later ones, and the repayment schedule is long enough that no connection is felt at the time. Sleep, drink, a body pushed hard, money not saved: none of it presents a bill while you are young, which is precisely what makes it feel free. Some of that borrowing is unavoidable and some of it is simply what nobody tells you. The terms are not a judgement on anyone.

Whatever age you are, the loan is still running. Pick the one item with the longest repayment and ease it slightly, not dramatically, starting this week.